The design assumed a computer so you could not easily use it as the house line in the past.These days you can get handsets that have Skype built in.

The best route for me has been to decide what I want in the offer and have the agent put it in their computer and generate the offer in the appropriate format.Their comuter does it as a "fill in the blanks" (I know there's a term for the software that does this, but it's eluding me right now).

You can also use the offer price to compute your CAP rate to see how it compares to the market.

Programmers, hardware engineers, sales & marketing for a computer company, etc?

Most of the solutions on offer are really crude, have poor UIs and were mostly done for an investor who is computer phobic.HP-12c works well but does not provide a print-out.

No idea what computer you have.If you have a Mac all the software tools are bundled for free with the machine.

That means squat because no one ever even showed me how to type, yet I can write programs, and probably get into your computer if I wanted to even with a firewall and virus prot. 15 years of trying is a long schooling!

I do computer software or hardware or some such.

I am a computer engineer (Chip Design), I retired in 2000 after the company I worked for, completed a successful IPO.

If you go with BOA don't let them tell you you qualify for a papersaver loan because the computer tells them whether or not you will qualify.